Primerica PRI
United StatesFinancial Services · Insurance - LifeUSD
324.50 USD (+18.7%)
6 analysts
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Primerica is a US life insurer and asset manager that sells term life insurance and investment products to middle-income families through a network of independent agents.
Key points
from its scores- ✓High-quality business8.3
- ✓Very solid balance sheet8.2
- ✓Favourable backdrop7.0
- !Weak share-price trend5.0
- !Modest dividend5.1
AI analysis
bottom line, main risk, context and newsThe combination of high profitability, reasonable valuation and stable growth makes it an attractive option within the insurance sector.
Primerica presents very solid fundamentals: ROE of 32.97%, operating margin of 31.54% and a P/E of 10.98, reflecting a profitable and well-valued business. Earnings growth of 19.50% and low dependence on external macro factors reinforce its quality profile.
The main risk is the dependence on its network of independent agents to generate new sales, which could be affected by regulatory changes in insurance distribution or by a slowdown in demand for life insurance.
Context and risks
Primerica operates in the life insurance and asset management segment for middle-income families in the US, a business with low sensitivity to long-term interest rates and no relevant exposure to commodities or shipping routes. The rise in long-term rates could slightly affect the valuation of its financial assets, but its balance sheet is solid and its business model does not depend on significant external financing.
Is Primerica stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 30% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 11.0 | 13.7 | −20% |
| EV / EBITDA | 8.5 | 10.1 | −15% |
| Price / book | 3.3 | 1.9 | +81% |
| Price / sales | 2.4 | 3.5 | −30% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.5 out of 10 (median for Financial Services: 5.2).
Average analyst target: 324.50 USD, +18.7% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 8.3 (sector 8.8), Growth 6.9 (sector 6.9).
Classic formulas with standard assumptions (9.1% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 11.0
- Forward P/E
- 10.1
- EV / EBITDA
- 8.5
- Price / book
- 3.3
- Price / sales
- 2.4
- PEG
- 1.07
- Market cap
- 8.4B USD
- Enterprise value
- 9.6B USD
Profitability
- ROE
- 33.0%
- ROA
- 4.7%
- ROIC (approx.)
- 25.5%
- Gross margin
- 72.1%
- Operating margin
- 31.5%
- Net margin
- 22.8%
- Free cash flow
- 1.0B USD
- FCF yield
- 12.3%
- Cash conversion
- 93%
Solvency
- Total debt
- 1.8B USD
- Net debt
- 1.2B USD
- Cash
- 637.5M USD
- EBITDA
- 1.1B USD
- Net debt / EBITDA
- 1.04
- Debt / equity
- 71.52
- Current ratio
- 3.73
- Quick ratio
- 1.15
Growth
- Revenue growth
- +8.7%
- Earnings growth
- +19.5%
- EPS (TTM)
- 24.90 USD
- EPS (forward)
- 27.17 USD
Dividend
- Dividend yield
- 1.8%
- Payout
- 18.0%
Risk and market
- Beta
- 0.88
- Analyst consensus
- Buy (6)
- Target price
- 324.50 USD
- 52-week range
- 230.09 – 327.28
Recent news
All PRI news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Primerica
Is Primerica stock cheap or expensive?
On P/E and Price / book, it trades 30% above the Financial Services median on average. Valuation score: 6.5 out of 10 (median for Financial Services: 5.2). Average analyst target: 324.50 USD, +18.7% versus the price. This is not investment advice.
What score does Primerica get on MeridIAn Screener?
It scores 7.0 out of 10, rank 224 of 2,130 (better than 89% of the companies analysed). Its strongest category is Quality / Moat (8.3) and its weakest, Momentum (5.0). Analysis of 08/10/2026.
What is Primerica's P/E ratio?
Its P/E is 11.0: the share price equals 11.0 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 10.1.
How much is Primerica worth on the stock market?
Its market capitalisation is 8.4B USD.
Does Primerica pay a dividend?
Yes: its dividend yield is 1.76% and it pays out 18% of its earnings.
How has Primerica stock performed over the last year?
It has risen 4.4% over the last year, excluding dividends. Over the last 52 weeks it has traded between 230.09 and 327.28 USD. Past performance does not guarantee future results.
What do analysts think of Primerica?
6 analysts cover it; their average recommendation is “Buy” and their average target is 324.50 USD (+18.7% versus the price). It is an estimate, not market data.